Development or expansion plans for businesses such as the acquisition of property (real estate, equipment, etc.) or the refinancing of investments performed prior to applying for the current loan and financed from own sources.
Purpose: The term loan is a credit facility created to cover the financing needs of the company, which helps it to develop on the long term, whether it involves changing machinery, machines or purchasing a real estate or modernizing the current headquarters, investment credit is the solution. It finances:
→ up to 85% of the value of investments, acquisitions, and constructions, excluding VAT;
→ 100% of the amount to be reimbursed in case of refinancing, up to 50% of the value of the purchased land, excluding VAT.
Amount: according to customer needs.
Currency: RON, EUR, USD
Period of use: full drawdown – in max. 12 months from the date of signing the credit agreement; First drawdown - in max. 3 months from the date of signing the credit agreement.
Maturity: up to 120 months.
Grace period: 12 months from the date of signing the credit agreement correlated with the implementation period of the investment project or 3 months in the case of financing granted for photovoltaic panel equipment/systems.
Reimbursement mode: Repayment can be made in equal monthly installments or in equal monthly annuities.
To complete the guarantee structure, guarantees obtained from guarantee funds (e.g. FNGCIMM / FGCR) can be used.
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The products presented above are indicative and do not represent an offer to contract or a legal obligation on the part of the Bank or its employees.
If our products are of interest, following the submission of a specific loan application, the documentation requested by the Bank, the positive results of the internal analysis, as well as subject to obtaining all necessary approvals, the specific elements are to be detailed in the offer / credit agreement.
These lending products do not represent First Bank's entire portfolio. In order to receive information regarding the entire portfolio of lending products for legal entities, please contact us at: firstname.lastname@example.org
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